PeopleClaim helps resolve consumer and commercial complaints

PeopleClaim helps resolve consumer and commercial complaints against businesses,
professionals, government agencies, or individuals by exposing bad business practices
and unfair treatment. Aggrieved parties are invited to use PeopleClaim's dispute
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Problem With A Service

Claimant's opinion: Given inaccurate balances on accountsItems that had posted were listed as not posted by representatives that did not know what they were doing

Overcharge Or Billing Error

Wrongfully billed

Lack of communication

Claimant's opinion: Charged balance transfer fees more than the 3% or $5.00 according to policyRefunded after I brought it to the attention of the managers who tried to "excuse" the incidents each time.

Other

Claimant's opinion: I feel singled out due to the fact that I kept up with my accounts and found so many errors.

"My payments were "misplaced" and could not be found; so now I have to send USPS "Certificate of Mailing" when I mail my payment to Citibank, N.A.Customer Service Representative would often share wrong information because they did not know the difference between account paid, items posted, and items not posted to my account.My additional authorized user's card was sent to wrong addresses and never received until after the account was on "hold" by security in error. Our vacation was ruined; I spent over $300.00 in gas and hotel charges waiting for this card that never arrived as promised.Twice I was overcharged balance transfer fees. The money was refunded after I brought it to the attention of account managers; but I had to stop using the balance transfer services due to these excessive balance transfer fees-unfair trade practices.I was referrred to as a "doozy" by a customer service manager who did no realize that I could hear her make fun of me as she was transferring the call.I wrote many times to the Corporate Executive Office, reported them to the Consumer Financial Protection Bureau, and now to the Office of the Comptroller, and the BBB.Corporate Executive Office staff reviewed the calls; and did nothing.In retaliation, after contacting the agencies, I was not allowed to call concerning my Simplicity Card account which now has the wrong balance on it according to my calculations. For that reason, I have not been able to keep up with my account as I had done so well on my "Thank You" account which I have paid out.I agreed to close both accounts if the balance on the Simplicity Card was "credited" or forfeited and the accounts would be closed at consumers request. This agreement was placed in writing to all Citibank and governmental agencies. The balance at the time was $2707.00 according to CitiCard. Citibank closed both accounts but did not meet the demands of the agreement/request. They closed my two accounts that were/are in good standing without crediting the balance. If they were not going to credit the balance to avoid future legal actions, then the accounts were not supposed to have been closed.Continual retaliations via Citibank, N.A.

Claim update 9/6/18

Response to the CFPB complaint filed:"Your statement to close the account was not considered to be a conditional statement. We respectively decline this request to absolved the balance on the closed account. With this letter, we consider the matter resolved. We will no longer respond to inquiries regarding these issues****We have completed a thorough of your concerns and our position remains unchanged."

The letter I sent was clearly condition that I would close the accounts if the balance was credited. They ignored this condition and closed the accounts against my wishes.

The first two balance transfer fees were excessive. They did not refer to these.

I wish for the regulators to be aware of these very deceptive trade practices."

There are a lot of moving parts here - you need to add much more specific detail (NOT account numbers!) Citibank is not without fault - it just paid $100 million in fines for LIBOR manipulation. Then it was assessed $35 million in fines for "deceptive marketing, unfair billing practices and deceptive collection practices." It also had to reimburse its customers some $700 million.

That, however, does NOT mean you're automatically entitled to anything you claim. Financial complaints must be extremely specific if any wrongdoing is to be alleged and proved.

1) If you were overcharged for balance transfer fees, which would indeed be bad, you should detail the amount, the date, the advertised fee, the fee actually charged, and the date of the reimbursement. Quite a number of agencies are interested in any such overcharges.

2) Lost checks: that might happen once but not usually more often. It's much better to pay online so that you have confirmation, or set up free bill pay through your bank so that they mail it in plenty of time. A company will usually forgive an occasional late payment because things do happen. Were any checks lost AFTER you started getting proof of mailing? They would not be aware that you had that.

3) Authorized user card: This is a common problem - bank reps will vaguely say the card will be sent right out and then it takes days to be generated and mailed. You should request that tapes be pulled of the CS conversation. If CS did promise that you'd get the card in 24 hours or whatever, you might have a case. If they didn't make a specific promise, then you don't.

4) Forgiveness of loan balance: This, I suspect, is where you lost the interest of the CFPB. Of course you'd be willing to close your account if they forgave the balance - anyone who carries a balance on their card would! Citibank is not obliged to take you or keep you as a customer. In fact, having spent a lot of time and money dealing with regulatory complaints (yes, dealing with complaints costs money) they were probably delighted to lose you.

I suspect that you have been misled by people who give really bad advice about the "1%" etc. and negotiating credit card debt forgiveness. There is a huge amount of misinformation out there,

I'm sorry if this seems harsh, but you seem like a nice person who is struggling with credit. I would not be doing you any favors to encourage you to file legal action where you don't have a good case. I would strongly suggest adding concrete information where possible and letting the rest go. You might want to ask Citibank to reopen your accounts, but without threats.

The Office of the Comptroller now has this. For two years I have endured. I have a zero balance on one account that so called on and watched. When I was no longer allowed to call to discuss charges, now I have this balance.. Will continue making payments as usual. Either way the account will be addressed.

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